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Swift Diesel engine seeing decline in power - Need overhaul or bad turbo?

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My 2008 Suzuki Swift Diesel 1.3 DDiS has run about 150,000 kms. In the last few weeks, the car seems to be losing its powerful acceleration. While there is no sudden drop in power while accelerating, there has been a gradual decline in terms of performance. The 0-60 acceleration is taking longer than before. haven't seen any white smoke from the exhaust.

On talking to various mechanics, I have got conflicting views, some say the engine needs to be overhauled, others say the turbo charger is end of life and needs to be replaced.

The vehicle has been regularly serviced according to the owner's manual with the correct engine oil. The injectors were cleaned at ~130k Kms mileage.

Question:

  1. Has anyone faced similar issue with Suzuki Swift Diesel? If yes, at what mileage?
  2. What is the typical life of a Swift DDiS diesel engine before overhauling?
  3. What is the typical life of a Swift DDiS turbocharger before failing?
  4. How well do diesel engines perform post overhaul?

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